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Vestjysk Bank (VJBA) investor relations material
Vestjysk Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Aug, 2025
Executive summary
Net profit after tax for H1 2025 was DKK 359 million, down from DKK 445 million in H1 2024, with a return on equity of 10.0% p.a.
Loan portfolio grew by 4.7% (DKK 970 million), with over 3,000 new customers added.
All financial targets met except for the cost/income ratio, which was 53.3% versus a target of 50%.
Net interest income declined to DKK 561 million due to lower interest rates.
Maintained strong credit quality with low loan impairments.
Financial highlights
Net interest income for H1 2025 was DKK 561 million, down from DKK 623 million in H1 2024.
Net fee and commission income increased to DKK 335 million from DKK 313 million year-over-year.
Market value adjustments and dividends contributed DKK 133 million.
Total operating income was DKK 989 million, with total costs at DKK 527 million.
Cost/income ratio was 53.3%, above the target of 50%.
Outlook and guidance
Full-year 2025 net profit after tax is expected in the range of DKK 600–800 million.
Financial targets for 2025 include a minimum 9.0% return on equity after tax, cost/income ratio below 50, and core capital ratio of at least 16.0%.
Guidance maintained despite increased uncertainty from geopolitical tensions and volatile financial markets.
Dividend payout ratio targeted between 25% and 50% of annual net profit.
How did fee income growth offset NII decline?
What caused the shift in loan loss provisions?
How does SIFI status impact capital planning?
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Next Vestjysk Bank earnings date
Q3 202525 Nov, 2025
Next Vestjysk Bank earnings date
Q3 202525 Nov, 2025
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Frequently asked questions
Vestjysk Bank provides a range of banking services to individuals, businesses, and agricultural clients. The bank's offerings include traditional banking products such as savings accounts, loans, mortgages, and payment services. It also provides advisory services related to investments, insurance, and pension planning. Vestjysk Bank operates primarily within Denmark, with a focus on supporting local communities and enterprises, especially within the agricultural sector. The company emphasizes close customer relationships, tailoring its financial solutions to meet the specific needs of its clients. The company is headquartered in Lemvig, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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